As we enter the final quarter of 2023, PYMNTS Intelligence and Cross River have joined forces to delve deep into the world of SMBs. Our mission? To explore the hurdles they face in securing credit, especially in today's turbulent economic climate, marked by persistent inflation and rising costs. Even with various financing avenues available, businesses, especially those with lower revenue, are at a higher risk of failure. There is a bright side, however. Fintech companies are poised to play a pivotal role in bridging this credit access gap for SMBs. In this collaborative article by PYMNTS Intelligence and Cross River, we delve into the credit challenges and growth prospects for businesses of different sizes. We also uncover the preferred form of credit that most SMBs gravitate toward and the reasons behind their choice. Make sure to read all the way to the end for some valuable insights.